With the economy in its present state, there is a sudden surge of interest in frugality, the practice of prudent economy and avoidance of waste (of money or resources). Having been practicing the frugal lifestyle for the past 5 years, we thought this a good time to start a compilation of our tips for shaving a little expense here and there and making the most of what you have.

We will also periodically post time and cost efficient recipes, pet care tips, reviews and recommendations on books, music and films that we have found particularly noteworthy. For more information about us and this blog, please visit our About This Blog and Mores About Us pages.

Related posts:

• It Saves to Be Nice Part 2: How to Be a Nice Customer
• Monopoly Game Expansions for Learning Money Management and Investment Principles
• About This Blog
• Warm Weather Food Safety Tips
• Under the Weather – Recommended Reading

From Our Fourpence Worth

• Father’s Day
  If you’re still looking for a Father’s Day present, many of our ideas from Frugal but Thoughtful Mother’s Day Gift Suggestions could also apply to fathers and father-figures in your life.
• Tax Rebate
  If you are truly interested in helping the US economy, check out Don’t Spend that Tax Rebate Just Yet for a few suggestions on how to and how not to spend your tax rebate based on an article by Liz Pulliam Weston of MSN Money.
• Motivating Children to Practice Music
  Take advantage of summer vacation to help your kids get ahead on their music practice and get the most out of your music lesson fees with some advice by Madoline, who majored in music and has had experience in teaching children’s piano lessons.
  • Motivating Children to Practice Music: Introduction
  • Part 2: Playing the Piano is a Privilege (Not a Chore)
  • Part 3: Playing Slower for Faster Results
  • Part 4: Divide and Conquer

  (If you like the image to the right, which is an original illustration by my sister Madoline, check out our CafePress store Mozartini for gifts and collectibles featuring this image and other artwork by the same hand.)

• Editor’s Picks
  We’re starting to get the hang of blogging (which was completely new to us when we started this blog in February), and have produced a few Editor’s Picks in recent blog carnivals:
  • The Frugal Literate’s Guide to Affordable Reading
  • Frugal but Thoughtful Mother’s Day Gift Suggestions
  • My Favorite Money and Time Saving Websites
  • Guide to Safe and Smart Traveling with Pets
  • Lottery Tickets: Worthy Investment or Waste of Money?
  • Simple Solutions to Staying Out of Debt

News from the Personal Finance Blogosphere

• Personal Finance Buzz
  Check out PF Buzz for lots of great personal finance articles and vote for your favorite ones — hint hint — my profile.
• Finance Fiesta
  Last Thursday (June 5th) saw the first edition of the Finance Fiesta blog carnival hosted at Master Your Card. This week (today), the Fiesta is being hosted at Wide Open Wallet and will be hosted by yours truly next Thursday. If you have a finance or frugality related article, be sure to submit it by Wednesday June 18th 5:00PM EDT to be considered for inclusion in the 3rd Edition of the Finance Fiesta!
• Summer Savings Series
  Money Life Network is running a Summer Savings Series over the course of 3 weeks with tips including but not limited to:
  • Ways to save on travel
  • Frugal activities for the kids
  • Ways to save on your auto expenses
  • Ways to save on groceries
  • How to get motivated to save

  Be sure to also check out my last article Frugal, Fun and Productive Summer Activities for some ideas for keeping cool, busy and fit this summer.

I promise to return soon with more scintillating material. Thanks for reading!

Please consider subscribing to our RSS Feed to keep up with new posts. If you prefer, you can also have new posts delivered directly to your inbox by Subscribing by Email.

Related posts:

• Tips for Staying Healthy This Winter
• Hosting the 3rd Edition of the Finance Fiesta Blog Carnival
• Hosting the 16th Finance Fiesta Blog Carnival
• Does Thinking About Money Make You a Bad Person?
• Closing Your Credit Cards Can Hurt Your FICO Score

Originally posted 2008-06-12 05:48:09.

As mentioned previously in Part 1 of this series, It’s Business But It’s Also Personal, no matter how professional a business tries to be, we sometimes can’t help but be affected by the people we deal with because we are human. When a customer is nice to us, we are nice in return. In many ways, this goes back to the customer as monetary savings (stay tuned for Part 3 in which we give examples from our personal experiences).

So how to be a nice customer? It’s really very easy. It’s not much different from being a “nice person” and we all know how to do that already, don’t we?

• Be aware of the person you are dealing with. Remember that the person you are writing or speaking to is a 3-dimensional person whose actions and decisions are based on the way you make him/her feel with your words. When talking to customer service reps in person, look at them and talk to them as equals. Talk to them as you would want to be talked to. A friendly smile doesn’t hurt either.
• Be tactful when you approach a business to inquire about pricing or discounts. You should be polite when talking to anyone, but when you’re looking to gain from an exchange (i.e. receiving a discount on a purchase), you don’t want to come off sounding demanding and expectant. Say “hello,” give a little introduction – it doesn’t have to be long and elaborate – if you have the time or if the occasion warrants it, then politely ask your question. It doesn’t take a lot of time or effort and the person helping you would be more inclined to help you because:
  1. By using a greeting, you are acknowledging the service rep as a person.
  2. Giving a short introduction to your situation/intent/etc. adds a personal touch, making yourself seem more human than just another nameless, faceless customer.
  3. By asking politely, i.e. using “please” and “thank you,” you again show that you consider them a person and worthy of basic human courtesy.
• Don’t expect. If you’re asking for a discount, do so without expectations. Remember that when you are asking for a discount, you are asking them to do you a favor, not the other way around.
• Don’t haggle. Discuss, suggest, ask, but don’t haggle. In some places such as the car lot or swap meet, haggling might be common and expected. In some instances, though, I find haggling rude and even offensive, especially if we (the business) have already offered a discount on a product and the customer keeps coming back with counter-offers that are so low that the sale would be a loss for us.Of course, this depends greatly on the type of business you’re dealing with. In our line of work, where we are a small business that hand-makes each product, our profit margin is quite low. Big businesses that have a bigger profit margin might not mind the haggling, but even then, be nice in your negotiation, and you’ll probably get a better deal.
• Remember the chain of command. The personal you’re dealing with in all likelihood is not a high-level employee that can grant your every wish. Most customer service agents are taught to deal with common customer issues and do not have the authority to authorize a big discount or erase fees from your account. This person is most likely another 9-5 worker not unlike yourself who is trying to earn a paycheck to pay their rent.
• Be sincere. Don’t act nice for the sole purpose of getting a discount or a freebie. Be friendly because you can and want to be, not because you think you have to in order to get something out of it.

For more tips, check out a post I wrote earlier this year: How 20 Minutes Can Save $180 & Tips for Receiving Better Customer Service.

In my business (and most others these days), most of my customer service is done through email. I have received many emails where the entire content consists of one terse sentence – un-capitalized, un-punctuated, no greeting, no please or thank you. Of course, one could say that well, we’re a business and we’re the ones wanting to earn the customers’ money, making the customer the boss and they can talk to us any way they want.

This may be true to a degree, but we are also providing a service or product that the customer wants or needs. We also determine the price at which we will sell the product or service to the customer. When a customer is nice to me, I feel like being nice back and sometimes do so by giving them a break on pricing because we like working with nice customers and a lower price encourages their business. When we are making our customers’ orders, we always do the best job we can, but when it’s a customer with whom we have an especially good relationship, we often add extra touches beyond what might be expected.

So customer relations really is a 2-way street; for an optimal end result, both parties – consumer and business – should be on their best behavior.

Related posts:

• It Saves to Be Nice Part 4: How to Save Money by Helping Businesses Keep Operating Costs Down
• It Saves to Be Nice Part 3: How Being Nice Pays Off
• It Saves to Be Nice Part 1: It’s Business But It’s Also Personal
• Business Decision: Turning Away a Customer
• Interesting Reads from Fellow Personal Finance Bloggers #10

Food safety practices should actually apply all year round, but in summer and any time of warm weather, regular precautions might not be enough. For example, you might be able to leave food unrefrigerated for several hours in February without seeing any major effects, but the same practice may not work for you in August when the environment is warmer and bacteria multiply faster. Also, just because you can’t see any change, it doesn’t mean it’s not there.

Everyone knows that food goes bad, but it occurs to me that the average person might not be privy to all the specific details. Madoline and I worked in the very non-glamourous industry of food services for about 10 months in 2003 (more details in Our Family Financial History). When first hired, we had to go through food safety training and learned a lot of things that we otherwise may never have known had we not happened to get jobs in the industry.

Practicing safe food handling and storage will not only save you money by preventing food waste from spoiling, but more importantly, it will protect your family’s health. For some of you, it might be common sense, but my experience with the general public and relatives is that these are things the average person is simply not aware of. I won’t go into detail about bacteria and all that fun stuff; this is just a basic introduction to food safety.

Hand-Washing

These hand-washing practices should apply everywhere, not just in the kitchen, and especially when using the restroom – and even more importantly, when using a public restroom.

• Before handling food – be it preparing, eating or storing – wash your hands.
• Wash your hands in hot water and with an anti-bacterial soap.
• When finished washing your hands, do not use your hands to turn off the tap. Whatever bacteria was on your hands (and the hands of every other person who used the sink before you) is also on the faucet handle.
  • When in your own home and you are able to control the cleanliness of the facilities, this may not be as vital as opposed to a public facility. When at home, I often use my wrist or forearm to turn off the tap after washing my hands.
  • When in public, use the paper towel with which you dry your hands to turn off the tap – after drying your hands on it. Yes, it leaves the water running for a few seconds longer, but it keeps your hands germ-free. I also use the same paper towel to open restroom exit doors before disposing of it. This may seem overly paranoid, but you never know when you’re in public what other people have touched and left on a door handle or faucet for you to pick up (and later ingest).
• If using a towel, make sure the hand-drying towel is clean and used only for hand-drying. Change them frequently as damp towels in warm weather can mildew quickly. If using paper towels, make sure the paper towel roll is clean – hasn’t fallen on the floor, isn’t often handled when hands are dirty or used for cleaning around the house.

Some people may call this behavior paranoid or obsessive-compulsive, but it is important to be aware that bacteria is transferred by touching. This is an important factor when it comes to safe food handling. When working in food services, we were taught that if your hands touch anything that has not been sanitized, they are dirty and must be washed again before handling food.

Food Preparation & Storage

• When preparing hot food, it should be heated to above 170° F (77° C). If you don’t have a food thermometer, a good way make sure it is sufficiently hot would be to heat to boiling point, which is 212° F (100° C).
• Try not to leave hot food sitting out for longer than 2 hours.
• Try to keep hot food above 140° F (60° C) if not being consumed within 2 hours to keep bacteria from multiplying too fast.
• Cold foods and meats should be stored at temperatures below 40° F (60° C).
• After 2 hours, store the food in the refrigerator.
• Always wash your hands before and after handling raw meat, poultry, fish and dairy.
• Use an anti-bacterial dish detergent – at least for items used in preparing meats.

We’ve probably all left food out for more than 2 hours and have never gotten sick from eating it. I myself have done it and still do it sometimes, despite knowing the rules. But I feel is important to be aware of the correct practices and keep them in mind when dealing with food.

And remember that bacteria multiply faster in warm environments. So try to take more precautions than you usually would when handling and storing foods in warm weather. Teach your family the importance of good hand-washing and food safety habits. For the whole family to be healthy, it is important for each member to do his or her part.

One Last Tidbit – Grocery Shopping Carts

Shopping carts are one of the germiest things to be found in public. According to an article on ABC New, shopping cart handles have more germs than a public restroom. People touch it after handling food and money; kids stand or sit in them and teethe on them; food, raw meat juices and milk leak in them; birds poo on them in the parking lot; etc. It seems grocery stores have become more aware of cleanliness issues in recent years and some now offer sanitizing wipes for shopping carts.

When we lived in L.A. there was only one store in our neighborhood that offered cleansing wipes for shopping carts. Their prices were higher, but we often opted to shop there just because of it. If your grocery store doesn’t offer sanitation wipes, suggest it to the manager. Our local grocery store offers them and I always wipe down my shopping cart upon entering. The amount of black gunk that comes off it really quite frightening.

These were just a few basics garnered from from memory of training I received 5 years ago. For more information on food safety, visit FoodSafety.gov.

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Related posts:

• Tips for Staying Healthy This Winter
• Fast & Frugal Recipe: Chilled Noodles With Peanut Sauce
• Interesting Reads From Fellow Personal Finance Bloggers #13
• 101 Ways to Save Money in Your Everyday Life
• Homemade Noodles: a Surprisingly Delicious and Versatile Frugal Food

This first writing project deals with the circumstances, people and events in our past which have led to our present financial habits. I proposed this topic as the first of our group writing project as I had been planning to write something about our background and why we live the way we do.

We are one of those people who have a somewhat complicated history. In our first 25 years, we had lived in 3 different countries and called approximately 20 different places “home.” After several hours of attempting to put it all in prose, we have finally given up and decided to put our family financial history and relevant events in timeline format (and with authentic pictures), for your sake and ours.

A note before we begin: The time periods used to head each section are names of actual time periods from history; however, they are not all in correct historical order, but rather arranged to fit eras of our lives.

Pre-History

• 1978 July – Oakland, CA
  Mother, an art student from Taiwan, marries a young engineer and flight instructor from Japan whom she feels sorry for because he is poor and alone.

Ancient History

• 1979 March – San Francisco, CA
  Penelope arrives.
• 1980 November – San Francisco, CA
  Madoline arrives.
• 1978-1980
  Father cannot find decent work and receives gifts of money and private airplane (in hopes of stimulating flight instruction business) from our maternal grandmother.
• 1981-1987 – Tokyo, Japan
  Father moves family to Japan for better work opportunities. Father becomes a workaholic and makes a lot of money, buys himself computers and other gadgets but won’t give Mother money for food or clothes. Mother relies on grandparents for help and begins giving English lessons to neighborhood children after learning Japanese.
• 1987-1988 – Taiwan
  Father tells mother to leave and take us with her. Mother files for divorce and we are sent to live with various relatives in Taiwan while Mother works to build up a successful multi-level marketing business in Japan and Taiwan.

The Middle Ages

• 1988 July – Kauai, Hawaii
  Mother marries a spendthrift, workaphobe, and tax evader among other things disguised as a romantic gentleman in a ninja suit.
• 1988-1994 – Several locations on Oahu, Hawaii
  Mother continues to work at multi-level marketing business, Forever Living Products, bringing in as much as $10,000 per month for several years. Stepfather also helps by dressing up in business suits; however, the level and efficacy of his participation is questionable. 

  For the first we few years, we enjoy an idyllic childhood living in nice houses, one with a swimming pool, with a menagerie of pet cats, dogs, guinea pigs, rabbits, mice, fish and birds. As we get older, our mother begins to share her worries about our stepfather’s shopaholicism. He goes through one expensive phase after another – chess (during which he buys several costly chess sets and strategy books), golf, motorcycles, guitar, etc. She is also constantly worrying about his tax debt and his refusal to do anything to remedy the situation.

• 1991 – 2000 – Family Business
  Staring around age 12 and 10, Madoline and I become partially responsible for helping to manage the family business, as Mother and Stepfather become the area General Managers and run the warehouse for product inventory. Our duties include helping customers (called distributors) with product purchases, explaining the various purposes of the products, taking orders, retrieving and carrying products to customers’ cars, monthly inventories, compiling and mailing monthly sales summaries to the main office. We continue to help out in this business till around part-way through college, at times running the business solely in Stepfather’s place in later years.
• 1994 December – Hawaii Kai, Hawaii
  Mother is diagnosed with stage 4 cancer with 6 months to live. She begins preparing a will, appoints Stepfather legal guardian, names a trustee to set up our trust funds for the life insurance policy left for our future and education – $100,000 each for our education, $500,000 for the purchase of a permanent residence. Knowing Stepfather’s spendthrift nature, she allots $100,000 for his personal use. One month prior to Mother’s passing, the trustee of Mother’s estate is changed to Stepfather.

Imperialism

The following take place in several more locations on Oahu, Hawaii each successively less expensive than the previous.

• 1995 October
  Mother passes away, Stepfather collects the life insurance and begins spending money immediately. He purchases a new car – on credit so as to retain the cash for investing – and ignores calls from lawyer to set up trust funds.
• 1995 November
  Stepfather meets a man called “Grandpa” who has the investment opportunity of a lifetime; give him $250,000 and he will receive $6 Million in 2 months. Stepfather gives “Grandpa” $250,000 – without our consent, of course.
• 1995 November – Early 1996
  In anticipation of millionairehood, Stepfather spends money as if already a millionaire – takes a party of 10 to the Superbowl (including airfare, hotel and $1,000 tickets), takes entire family of which he is the oldest of nine to Phantom of the Opera, hosts a presidential campaign in Hawaii, etc.

The Great Depression

• 1996 Spring
  “Grandpa” proves by all appearances to be a fraud, though Stepfather continues to hope and chant “Our ship will come in.” All $800,000 is gone, new car is repossessed despite Stepfather’s efforts to hide it a ten-minute walk from house. IRS comes calling for back taxes dating to the 1970’s. All that is left is a modest residual income which would be sufficient for us all to live on if he didn’t spend next month’s check before it arrived.
• 1996 Summer
  Stepfather pushes for me to go to college one year early. When I do not want to do so, he resorts to asking for charity from a classmate’s affluent father. (We are unaware of this until after graduation.)
• 1996 -1997
  Stepfather begins to use the word “frugal” in family discussions, a concept he manages to abide to in theory; in practice, he continues to purchase computers, surfboards, and miscellaneous useless things which are somehow supposed to make him rich.

The Age of Enlightenment

• 1997 May
  I graduate high school and win the Sterling Scholarship for Foreign Language and receive a check for $4,000. Because Stepfather needs money, I endorse the check to him.
• 1997-2002 – Higher Education
  Madoline drops out of high school 2 years early, and does one year of independent study by correspondence in order to save Stepfather $16,000 in tuition, and enrolls in college one year early. We graduate college (with honors ) with the aid of scholarships and the residual income left by our mother. Even though the income is enough to support our very modestly priced education, getting the money from Stepfather to pay our class fees and insurance is like pulling teeth.
• 2001-2002 – My First Job
  I enter the work force after graduating, my first job being a contract 9-month receptionist/secretary for our college’s admissions office. I earn $9.00 an hour and work 30 hours a week. It’s a great first job where I discover I have an affinity for administrative work and enjoy counting how much I make every minute as I work (15 cents per minutes ).

The Great Schism

• 2002 June
  At the time of Madoline’s graduation, we sever ties with Stepfather due to a number of irreconcilable differences. When Madoline graduates and my contract ends, we get full-time jobs together. By sharing a house and all our expenses, we are able to put away about $1,000 a month. After a year at this job, we decide to leave Hawaii and try our luck in California.
• 2002 July – 2003 January
  We hire an attorney to help us deal with Stepfather and manage to transfer Mother’s residual income to us. By this time, the business has dwindled and the income is reduced to about 10% of what it was when our mother was alive and developing the business.
• 2003 February – Tokyo, Japan
  Biological Father now decides he wants daughters again after almost 20 years because he finds himself $80,000 in credit card debt from eating out and buying expensive presents for his girlfriends, and suddenly realizes family is important. Unfortunately for him (and for us), we have long ago stopped considering him as our family. Also, he asks us to help pay his debts which does not sit well with us.

The Age of Discovery

• 2003 May – Our First Apartment
  We decide to try living in the Bay Area, where we had been born. Because we will use up almost all our savings on the move, we look for the most inexpensive place we could find. We find a tiny place on Craigslist – and by tiny I mean 240 sq. ft. – an apartment behind a couple’s garage that will let us arrange the rental over email and let us bring all our pets for $650 a month. (Right: Approx. 1/3 of our First Apartment)
  We pack up our things (3,000 lbs. worth of furniture including our piano which we have had since childhood and couldn’t part with, books and mementos of childhood and our mother) and pets – our 4-year old dog, 16-year old cat, and 22 mice. The apartment is so small that we barely had room left after moving all of our things in.
• 2003 May – Our First Car
  After a couple of scary and extremely uncomfortable experiences walking in our new neighborhood to run errands, we decide we need to buy a car asap. Knowing almost nothing about car shopping and credit, we get tricked into a 24% APR.
• 2003 June – Our First Real Frugal Experience
  Having used up all our savings on the move and down payment on the car, and our monthly check having been delayed, we have $100 in the bank. One night we dig through all of our things, pockets and purses for spare change to buy groceries. Even after our check arrives, we go about setting up our apartment as inexpensively as possible because the amount of the income is unpredictable and unreliable. We begin to find creative alternatives for thing we need.
• 2003 Summer & Fall – Our Second Apartment
  As we are still trying to figure out what we want to do, we temporarily apply for and get jobs as sandwich makers at Togo’s Eatery. After a month, the owners of Togo’s offer us managerial positions at a new upscale pizza shop they are opening in Fremont. The apartment turns out to be in violation of several California building codes, and gets extremely hot, with temperatures above 100 degrees on the hottest days. As we are about to start our new jobs in Fremont, we upgrade to a 400 sq. ft. studio apartment. 

  As limited space continues to be an issue, we go to Lowe’s and bring home a carload of lumber and build ourselves a freestanding 8′ x 6′ loft over our beds with for our computer, cushions and other diminutive furniture. This loft is disassembled for a future move, and later recycled into cabinets, this computer desk (with hand-carved feet shaped like horse hooves), a shipping supply cabinet and beds for our dog.

• 2003 September – Our First U-Haul
  To save money, we rent a 10′ U-Haul for our short distance move from Hayward to Fremont. It’s my first time driving a truck, which is quite scary, but when it’s all done, we can’t help but feel just a little bit proud that we’ve done it all ourselves (except for the piano).
• 2004 March – Our First Credit Cards
  Ever since the car loan fiasco, we have been trying to learn about credit. A regular customer of our pizza shop who works for Bank of America advises us to apply for a credit card. We apply for and get our first credit cards and begin building credit histories. Biological Father wants us to add him as an additional user. We say “no.”
• 2004 Tax Time – Our First Time Filing Self-Employment Tax
  Our first tax season is a disaster. I have no idea about where to start and what forms I need to fill out for the income from our mother’s business. I spend days reading the IRS website and countless forms and instructions. I finally figure it all out and mail out our return on April 15th.
• 2004 June – Our First Loan Paid Off
  We have been saving up to pay off our car loan early (23 months ahead of schedule).

The Dark Ages

• April 2004 – Los Angeles
  Our 16-year old cat is diagnosed with kidney disease in November 2003. He becomes seriously ill in February 2004 and needs constant and costly care. As our pizza shop job does not pay very well due to business problems, we decide to move to Los Angeles for more employment opportunities.
• April 2004 – Our Second U-Haul (Actually Budget Rent-a-Truck)
  Again, to save money, we rent a 15′ Budget Rent-a-Truck for the move from Fremont to Van Nuys. This time the experience has gotten old, and the time constraints to return the truck in 3 days is more than a little stressful. We load the truck and hire a Bay Area piano mover to put the piano in the truck on Day 1, make the 8-hour drive and check into the apartment on Day 2, unload the truck and hire a Los Angeles piano mover to unload the piano on Day 3, and return the truck before 9:00AM on Day 4. We swear then and there as we rub our sore backs that this is the last time we ever U-Haul it.
• 2004 Summer – 2005 Summer – The Lost Year
  Having lost our dog to an accident and our cat to kidney disease in early 2004, we suddenly find ourselves a little aimless. Where we used to be content to stay at home and read or watch DVDs, we now find ourselves restless. For a few months, we wander one shopping mall after another as soon as we get off work (a depressing sales job working for a bald man who shouts a lot), buy more clothes than we need, and are reluctant to go home to an empty apartment. 

  Then we decide to quit our jobs and enroll in some arts classes at the local community college, and re-settle into our frugal habits. We become so frugal that we literally don’t do anything or go anywhere except to the library and to the grocery store. We stop going out except to walk the malls for exercise and window shopping.

The Industrial Revolution

• 2005 July – Franga Designs
  One day, while shopping for a Star Trek Enterprise model for my cousin, I discover eBay. Thus begins Franga Designs, our dog and horse clothing and costuming business named after Mother, which later becomes an online store.
• 2005 October – House Hunting
  Madoline’s designs are an instant hit and we begin to receive many requests for custom designs. Our one-bedroom apartment (638 sq. ft.) is completely covered in fabric, patterns, sewing and photographic supplies that we barely have room to walk. We decide it is time to expand our work and living space, and after all the moving around, that it’s time to buy a house and settle somewhere permanently.
• 2005 November – Homeowners
  We find a charming 3-bedroom house with a nice yard in California City. We make an offer and escrow closes November 22, 2005. To celebrate being homeowners, we go to see Harry Potter and the Goblet of Fire (matinee), which to this day remains one of my favorites.

The Modern Era

We are still in the process of settling in our home; with our frugal and DIY mentality, it takes longer to get things done. So far we have replaced all the carpet in our house with our own homemade flooring made from plywood that we sawed into floorboards, built a wall-length and -height shelf for our books and fabrics, and fixed up second hand furniture.

We try to save money wherever we can and build up our savings. Having been privy to our stepfather and our biological father’s mistakes and our mother’s constant stress over finances, we are paranoid about spending and debt.

If you are interested in finding out more about us, please visit the More About Us page.

* * *

About the PF Bloggers Group Writing Project

The Personal Finance Bloggers Network currently consists of 8 active personal finance and frugal living blogs. The Group Writing Project is a monthly project wherein each blog will write a post on a pre-determined topic and publish it on the same day of each month. Be sure to visit the PF Bloggers Group Writing Project page for the others!

Related posts:

• Is “Simple Living” Just Another Term for “Giving Up?”
• Finance Blog Carnivals of Late
• Learning From Our Mistakes: Our First (Auto) Loan
• Closing Your Credit Cards Can Hurt Your FICO Score
• Warm Weather Food Safety Tips

If this is your first time here, please have a look around and consider subscribing to our RSS feed, which can be delivered in various forms of web based readers as well as email.

Our Fourpence Worth is all about frugal living and making smart choices in personal finance. We write about things we have learned and are learning as we strive for financial freedom and we offer tips for saving money in various aspects of life: personal, home improvement and decoration, family, money management, pet care, frugal recipes and more, as well as our opinions on current affairs related to our subject.

To give you an idea of the kind of topics we write about, here are a few of our posts that have done quite well in the blogosphere:

• My Favorite Money and Time Saving Websites
• Simple Solutions to Staying Out of Debt
• Resisting the Urge to Splurge
• Monopoly Game Expansions for Learning Money Management and Investment Principles
• Frugal Travel Begins Before the Trip: Vacation Preparation Checklist
• Guide to Safe and Smart Traveling with Pets
• Fast & Frugal Recipe: Yakisoba (Japanese Chow Mein)

Check out the “Most Popular Posts” section on the sidebar to the right (below “Categories”) for more popular posts. To learn more about us and this blog, please visit About this Blog and More About Us.

Thanks for stopping by!

Penelope and Madoline

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Welcome to the 3rd edition of the Finance Fiesta. I’ve always enjoyed proverbs, and since Spanish is one of my favorite languages, our theme for this week’s fiesta is Spanish Money Proverbs. The following proverbs all come from A Polyglot of Foreign Proverbs for anyone who wants to know. Hope you enjoy them.

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• June 2008 Finance and Frugality Blog Carnivals
• Finance and Frugality Blog Carnivals: Week of Unexpected Delays

As kids, Madoline and I loved playing Monopoly. We enjoyed accumulating property, building hotels and watching the money roll in. We used to play to the extent of having to use calculators to keep track of our individual wealth after exhausting the bank’s supply of cash. When our cousin Mabel arrived in April for her 3-month sampling of the American life, we pulled our Monopoly game back out as part of her introduction to American culture.

Mabel seemed to have born with more than usual bad luck. Since childhood, she has been prone to little (and sometimes not so little) mishaps and accidents of all sorts as well as general ill fortune in all aspects of life – family, personal, professional, etc. Her ill luck also obviously carries over to pretend life, Monopoly included.

During our first Monopoly game with Mabel, Madoline got so tired of Mabel landing on her hotels and unable to afford rent that she devised a lottery system for the game in the hopes that Mabel would win a few jackpots and be able to pay her way. (We don’t like to end the game when someone runs out of money because otherwise it would end too soon.)

Lottopoly, as we call it, was an instant success – for Madoline and me that is. Despite purchasing 3 tickets per lottery that first day, Mabel didn’t win a single lottery. Madoline and I, on the other hand, grew richer and richer, and the Lottopoly became the highlight of the game.

We have since invented more expansions to add some spice to our Monopoly games. All of our expansions have to do with making, saving and investing money, and are a fun way to teach children, and even grown-ups, basic money management and investment principles. Players have to learn how to budget their cash and not over-invest or face penalties for early withdrawal of invested funds.

We have decided to begin publishing a series of Monopoly Expansions here at Our Fourpence Worth. Each game expansion comes with forms that you can download and print for free in PDF or JPG format and detailed instructions for playing with your friends and family. We will begin posting Monopoly Expansions for different money management principles, Certificates of Deposit (CDs), Foreign Currency Investments, Lottopoly and more starting this week.

Monopoly is a fun and fairly inexpensive way to teach kids basic money management skills. I would definitely recommend it to parents who are looking for frugal and beneficial diversions for keeping kids entertained during hot summer days.

Check back tomorrow for the first Monopoly Game Expansion!

Related posts:

• Monopoly Game Expansion #1: Personal Savings Account
• Welcome MSN Money Central Smart Spending Readers!
• Monopoly Game Expansion #3: Certificate of Deposit
• Monopoly Game Expansion #5: Income Tax Edition
• Monopoly Game Expansion #2: Personal Checking Account

Our Favorite Sources for Discount Fabrics

• Walmart
  Some Walmart stores have discontinued their fabrics departments, but if a store in your area has not done so, it is the best source for affordable fabrics. While they carry many “fiber content unknown” fabrics, they also have many good quality fabrics suitable for clothing in the $1.00-$2.00 per yard price range. When some of their pricier fabrics run low on the bolt, they often lower the price to $1.00-$2.00 to clear it out – usually with between 1-3 yards left on the bolt, which is ample for making a regular sized outfit. Even the “fiber content unknown” fabrics can be used for some projects such as home decoration and miscellaneous crafts.
• Jo-Ann Stores
  The physical Jo-Ann stores, especially the superstores, carry a huge selection of fabrics for all sorts of purposes – clothing, costuming, upholstery and crafts. While regular prices are often in the $3.00+ range, they often have large sections of quality fabrics on clearance for $1.00-$2.00 per yard. Joann.com often has free shipping promotions for orders $35 and above; just do a search on RetailMeNot.com for a coupon code.
• Fabric.com
  Our preferred online fabric supplier is Fabric.com. They carry a wide range of fabrics at reasonable prices, and often have a lot of good fabrics on sale or clearance from as low as $1.50 per yard and up. Be sure to check their clearance category frequently and check out the Fabric.com Coupon Corner for current promotions. We have ordered from them several times and been pleased with the quality of the products as well as the service. Their warehouse is located in Georgia, so shipping via UPS usually takes a week to the West Coast, and we usually receive our orders within 9-10 days of our order. (Prices quoted in our original article Save Money by Sewing Your Own Clothes were obtained from this site.) Fabric.com also offers free shipping on orders $35 and above.
• Jo-Ann.com
  Joann.com carries a variety of craft supplies and fabrics, though I find their online selection of fabrics limited and not as well priced. However, they sometimes do have very good sales on fabrics with prices as low as $2.00 per yard. Their sale fabrics often sell-out very quickly, so you have to act quickly when you see them. They also frequently offer Free Shipping promotions for orders over $35, but they can be a little slow to ship. (We once waited over 2 weeks for them to ship an order.)

New source (added October 4, 2009):

• Hancock Fabrics
  We have yet to purchase from Hancock Fabrics, but it seems like a reputable company and they have good prices and offer free shipping on orders $75 and up.

We haven’t purchased as much fabric lately as we have stocked up a lot of fabrics over the past few years. When purchasing fabrics, it is best wait to buy them on sale as it is rarely an urgent matter. With fabrics, when you see a good deal for a fabric you have a plan for and are certain to use, then snap it up before it is gone, because it most certainly will be gone very quickly. Just don’t snap up every bit of fabric that catches your eye. If you can’t think of a good use for it in the immediate or near future, or if you already have a lot of fabric sitting around waiting to be used, then it is best to let it go.

Related posts:

• The Frugal Literate’s Guide to Affordable Reading
• Patchwork Berets from Fabric Scraps
• The Frugal Art
• Elegant French Memo Board from Thrift Shop Picture Frame
• Frugal Thermodymics Part I: Limiting Sources of Heat in the Home

from someone who once hated to practice the piano

In order to persuade anyone to read or believe what advice I attempt to provide, I must first relate that my strong disinclination for music practice is long past, and that not only did I major in music, but practicing the piano is now a favorite form of study and recreation. From growing up among other musicians and my little experience in teaching piano lessons, I have never doubted that inability or reluctance to practice is more common than it is uncommon. I have the firsthand experience of being a reluctant piano student and a trial upon the patience and efforts of several piano teachers and my mother and so would like to help those in that frustrating position by sharing my observations concerning the various reasons which may prevent regular and productive practice by young or beginning music students and offer some possible suggestions for improvement.

It is a funny thing that practicing the piano should seem to require so much discipline. My sister and I were really very easy to manage as children and teenagers. We did well in school, preferred to read books rather than go out, hardly spent any money, were never punished, and did everything expected of us except to practice the piano (we started learning at the ages of 5 and 3). In fact we both so severely disliked piano practice that our usual way was for each of us to play through our pieces for 20 minutes once a week just before walking to our teacher’s house. Incredibly enough, we advanced enough to show that our dislike of practice did not result from lack of ability because we successfully performed at recitals, church and school events, and our parents were proud.

Perhaps it is that discipline in any field is difficult for people in general, but music did seem especially difficult—more so than drawing, karate, math, and even learning German—and in fact it is so. The enjoyment of those on the receiving end of a musical performance often forms the misconception that the preparation behind the result consists largely of pleasure and ease. In actuality music is as much a science as it is an art and as much a discipline as it is a pleasure (and in the result there is only as much pleasure as there was discipline before it). Consideration must especially be shown to children when requiring them to undertake a subject the parts of which may be impossible or difficult to grasp at a certain age, and every effort made to promote the small successes which create the eagerness and habits of long term achievement.

Following is a series of small essays addressing various aspects of piano practice as pertains to children. While my experience is primarily in piano and singing, the principles I relate can be effectively applied to other instruments.

Related posts:

• Under the Weather – Recommended Reading
• April 2008 Finance and Frugality Blog Carnivals
• Motivating Children to Practice Music (Part 3)
• Motivating Children to Practice Music (Part 4)
• Blog Carnivals

A good way to see this for yourself is to start a coin jar or piggy bank and put in every bit of loose change you find lying around the house: in your pockets, desk drawers, under couch cushions, in the car, etc. What starts out looking like a few unpromising handfuls of change can turn out to be $5, $10 or even $15. So it’s not going to pay next month’s rent, but it can pay for many other things that you may need (or want).

So, here are a few rudimentary suggestions for saving a little here and there:

• As with long distance phone rates, utility companies have peak and off-peak rates for residential accounts – usually 10am-6pm (when most people are at work) are the peak hours . If you happen to be home between those hours on a weekday, try to limit your use of electricity even more than usual. If you can, wait until after 6pm to do the laundry, use hot water if you have an electric water heater, and other electric appliances.
• Consolidate errands as much as possible. Try to schedule trips to the bank, post office, grocery store, dry cleaner’s, etc. in one outing, planning the most efficient route to save time and gas.
• When grocery shopping, try to buy enough to last at least a week so as not to have to return in a couple of days. Every trip to the store often results in more purchases than originally planned; thus, the fewer trips the better. In our household, we now shop once a month and have seen a significant decrease in our grocery bill.
• Eat before leaving the house and take a snack and water bottle with you. Hunger or thirst can cause you to shop less prudently or need to eat out.
• Before making any sort of purchase, seriously consider whether or not you really need it or just want it, and if you want it, if it will be of lasting value.
• Patience is a virtue when it comes to prudent economy. Wait a while and see if something you thought you “must have” was something that would have just been “nice to have”.
• Price or cost doesn’t always determine quality. Just because something (an item, an activity, etc.) costs less doesn’t mean it’s not just as valuable or fun.
• Find new and less expensive hobbies to substitute a few more costly recreational activities (suggestions for hobbies and activities coming soon).

These are just some very basic frugality tips. We will go into further detail for various matters on future posts.

Related posts:

• Festival of Frugality #140: The Frugal Quotes Edition
• Festival of Frugality #152: Affected by Recession Edition
• Hosting Festival of Frugality and Money Hacks Carnival Next Week
• August 2008 Finance and Frugality Blog Carnivals
• Recent Blog Carnivals (February 2009)

We are 2 sisters in our mid-late twenties who discovered the concept of frugality several years ago when we quit our full-time jobs in Hawaii where good employment is scarce, and moved to California in search of a way of life that would allow us to work for ourselves and hopefully pursue our interests in the arts instead of dishonest employers whose practices went against our personal and business ethics. Having spent all of our savings on our move, we found ourselves constantly trying to find imaginative and unconventional solutions in establishing our new home and way of life. Over the past few years, we have learned and figured out a great deal about making economies, and we it is our intention to share our ideas and solutions here in this blog.

Although we are not experts in these matters, we will also share a few things we have learned in regards to personal finance, home improvement and decoration, holistic pet care, and even a few favorite recipes for inexpensive and time-efficient meals.

And while work and frugality are important, so are wholesome entertainment and activities. We are avid readers with a particular interest in good children’s and young adult literature, and will therefore also share reviews and recommendations of favorite books for both children and adults. We will do the same for films, music and activities that we have found especially entertaining, educational, enlightening, worthy and contributive to a well-rounded life. These recommendations can be found under the “Hobbies” category.

Author Bios

Just a short introduction about each of us, our interests and specialties in regards to the topics we write about.

Madoline Hatter

I am a compulsive reader, musician, and a sort of artist. I provide the artistic work in the endeavors I undertake with my sister such as sewing, pattern drafting, painting, and computer graphics. I have a B.A. in Music – Voice. Subjects that interest me are classical music, music history, English literature, foreign languages, science, psychology, and animal training. In my free time I play the piano, sing, read about music history, and teach my dog tricks.

I also love a good novel especially if it is by Jane Austen or Charles Dickens. My favorite languages are English and German. I am currently learning French and have acquired a vocabulary about 10 words and mastered vague notions of grammar. My interest in linguistics has led to experiments in teaching dogs English. My dog Wolfie can sing a song in rhythm, but out of tune.

Penelope Pince

I am also a compulsive reader, musician, and a left-brained sort of artist. I have the dubious honor of being the “office manager” and “finance person” in all of our business and household affairs, my duties including but not limited to webmastering, customer service, bill paying, and the unhappiest of all, taxes. I hold a B.A. in Interdisciplinary Studies: Linguistics, German, French, Spanish & Chinese.

My interests lie in foreign languages (currently slowly learning Italian), classical & film music, computers, collecting foreign editions of Harry Potter books, and German games. I enjoy literature such as Jane Austen and contemporary authors such as Sophie Kinsella. In my spare time I can be found at the computer, piano, strangling a questionable tune out of the violin, watching movies, or being trampled by my dog Luwie.

To find out a even more about us, please visit the More About Us page.

Photos

Many of the excellent photographs displayed in our articles were taken by Petr Kratochvil who has generously released them into the public domain. To find out if an image was by Mr. Kratochvil, look for “Photo by Petr Kratochvil” in the image properties (mouseover the image in Internet Explorer or right-click on the image and select “properties”).

Our Finwikian Page